James O'Connor - Draper and Kramer Mortgage Corp. NMLS ID # 2091630

James O'Connor - Draper and Kramer Mortgage Corp. NMLS ID # 2091630 VP of Residential Lending
NMLS ID # 2091630 | Co. NMLS ID # 2551
Equal Housing Opportunity
www.nmlsconsumeraccess.org

So, you want to cancel a credit card. Whether you should do so and how to complete the task isn’t always so simple, thou...
10/11/2022

So, you want to cancel a credit card. Whether you should do so and how to complete the task isn’t always so simple, though. Canceling a card requires more than just cutting it up, and retiring that piece of plastic can be either a wise financial move or an unnecessary ding to your credit score. ...
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James O'Connor's Mortgage Report

Cancelling a credit card can have both positive and negative effects. Here’s what you need to know before you close one of your cards.

With mortgage rates having risen over the past year, more mortgage borrowers are exploring ways to reduce their interest...
10/04/2022

With mortgage rates having risen over the past year, more mortgage borrowers are exploring ways to reduce their interest costs. One of these options are shorter-term loans – loans that are schedule to be repaid in less time. While 30-year mortgages are most popular, shorter terms, such as 15-year mortgages, are also available. A shorter ...
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James O'Connor's Mortgage Report

The most popular mortgage term is 30 years, but shorter terms are also available. Learn why less may be more for your next mortgage.

If you’re looking to entice a colorful collection of birds to your home, you’ll need more than just a sack of birdseed. ...
09/27/2022

If you’re looking to entice a colorful collection of birds to your home, you’ll need more than just a sack of birdseed. Offering food to your feathered friends is a great start, but if you want them to stick around for more than just a quick snack, you’ll need to provide a more welcoming environment. ...
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James O'Connor's Mortgage Report

One of the joys of homeownership is integrating your home with the sights and sounds of nature. Welcoming birds to your property is one such way.

Owning a home is often cheaper than renting a comparable one, but figuring out just how much home you can afford isn’t a...
09/20/2022

Owning a home is often cheaper than renting a comparable one, but figuring out just how much home you can afford isn’t always easy. While rents are priced in simple monthly amounts, home prices need to be broken down into upfront and monthly payments. So how much home can you afford to buy? Here are ...
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James O'Connor's Mortgage Report

Are you thinking of purchasing a home but wondering just how much you can afford? Check out these simple guidelines to estimate how much you can buy.

Many responsible Americans have struggled with medical debt and been unable to qualify for home financing as a result. B...
09/07/2022

Many responsible Americans have struggled with medical debt and been unable to qualify for home financing as a result. But recently, the credit bureaus announced new rules that will improve the credit qualifications of many people with medical debt in collections. Here’s what’s changed and what it means. Medical debt that is in collections is ...
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James O'Connor's Mortgage Report

Earlier this summer, favorable changes were announced for the treatment of medical collections on credit reports. Check out the full story here.

For more than two years, the U.S. real estate market has been booming. Home values have increased at a record rate, prop...
08/30/2022

For more than two years, the U.S. real estate market has been booming. Home values have increased at a record rate, properties have sold fast and buying a home in many parts of the country has become a challenge. Now, sales of existing homes are falling, price appreciation is slowing and some home sellers are ...
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James O'Connor's Mortgage Report

After two years of record home value appreciation, the real estate market appears to be cooling off. Here’s why this is happening and what may be next.

Human beings love plants. We take long walks in nature, we obsess over our lawns and gardens and we bring flora into our...
08/23/2022

Human beings love plants. We take long walks in nature, we obsess over our lawns and gardens and we bring flora into our homes in the form of houseplants. But more than mere window dressing, indoor greenery offers several benefits. Here are the common perks of keeping houseplants in your home or office. Plants can ...
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James O'Connor's Mortgage Report

Houseplants are more than just decoration. Learn how they can improve air quality, mood, focus, health and more.

Thanks to the major increase in home values over recent years, home equity in America has reached an all-time high of $1...
08/16/2022

Thanks to the major increase in home values over recent years, home equity in America has reached an all-time high of $11.5 trillion. While many homeowners leave their equity untapped as they pay off their mortgages, others withdraw equity when needed for home repairs and renovations, debt consolidation, college tuition, emergency expenses or large purchases. ...
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James O'Connor's Mortgage Report

If you need funds for home renovations, debt consolidation, college tuition or another big expense, accessing your home equity may be the answer.

Now that we’re well into the summer grilling season, it’s the perfect time to check and clean your grill so it continues...
08/02/2022

Now that we’re well into the summer grilling season, it’s the perfect time to check and clean your grill so it continues cooking at its best. Here are some steps and tips to follow. Tools and Supplies Wire grill brush Dish soap and water White vinegar and water solution Sponge Soft towel or rag Step ...
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James O'Connor's Mortgage Report

It wouldn’t be summer without backyard grilling. If your gas grill has been getting plenty of use, here’s how to help keep it in tip-top shape.

The features that make a home stand out often differ from person to person — especially between adults and children. Whi...
07/26/2022

The features that make a home stand out often differ from person to person — especially between adults and children. While adults may value amenities such as a spacious kitchen with brand new appliances or an open living room with ample natural light, home elements that appeal to children tend toward the fun and whimsical. ...
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James O'Connor's Mortgage Report

Home is a special place for children, and with some imaginative additions, it can be truly magical. Check out these home features that delight kids.

When you’re buying or refinancing a home, the mortgage that’s right for you may depend on where you are in your life. Yo...
07/21/2022

When you’re buying or refinancing a home, the mortgage that’s right for you may depend on where you are in your life. Your mortgage is a part of your lifelong financial strategy, and it should change and evolve with you and your household’s needs, goals and circumstances. Whether you want the most affordable payment available, ...
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James O'Connor's Mortgage Report

Life brings change, and your mortgage may need to change with it. Learn about the home financing strategies for each season of life.

Want to be smarter than the average mortgage borrower? Here are five common mortgage myths and the truth behind them. Re...
06/21/2022

Want to be smarter than the average mortgage borrower? Here are five common mortgage myths and the truth behind them. Read on, and you may gain an advantage when deciding what direction to take with your home financing. Myth 1: You need a 20% down payment to buy a home Historically, many homebuyers were required ...
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James O'Connor's Mortgage Report

Is financing a home easier and more affordable than you think? If you believe these common mortgage myths, you may be in for a pleasant surprise.

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15010 N. 78th Way/Suite 204
Scottsdale, AZ
85260

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